Legal claims defining the scope of protection. Each claim is shown in both the original legal language and a plain English translation.
1. A method for facilitating electronic communication among a group of users, wherein each user in the group of users lacks personally identifying information (PII) for other users in the group of users, comprising: receiving, at a messaging system, a request to transmit a message from a creator of the message, wherein the creator of the message is a user of the messaging system; extracting, from the message, a context of the message comprising message creation time, message source and message content; extracting, from the message, recipient attributes associated with the request, the recipient attributes comprising at least one of relationships between users or transaction attributes of users; verifying the recipient attributes based on the context of the message; obtaining transaction information for a plurality of users including the creator, the transaction information comprising transaction dates, transaction amounts, transaction types and transaction categories; identifying among the plurality of users a set of recipients of users of a financial management application with transaction information that matches the recipient attributes; transmitting, by the messaging system, the message to a first portion of the set of recipients over the network to instances of the financial management application executing on computing devices associated with members of the first portion of the set of recipients, without revealing the PII for the set of recipients to the creator of the message; aggregating, by the messaging system, financial transactions of a plurality of online accounts associated with the first portion of the set of recipients to form lists of financial transactions, wherein the message is displayed in the instances of the financial management application as a UI element next to particular financial transactions of the lists of financial transactions for which the message is received, providing, in the instances of the financial management application, voting UI elements to the members of the first portion of the set of recipients, wherein the voting UI elements are configured to allow the set of recipients to vote on a relevance of the message; determining, based on votes received from the members of the first portion of the set of recipients, that the message is not relevant to the set of recipients; updating the messaging system to prevent transmission of messages from the creator of the message to the set of recipients.
This invention relates to a system for facilitating anonymous electronic communication among users of a financial management application, where users lack personally identifiable information (PII) about each other. The system enables message transmission based on transaction attributes rather than direct user identification. When a user creates a message, the system extracts context (e.g., time, source, content) and recipient attributes (e.g., relationships or transaction details). It verifies these attributes and matches them against transaction data (dates, amounts, types, categories) of other users to identify potential recipients. The message is then sent to a subset of these users via their financial management application, displayed alongside relevant financial transactions. Recipients can vote on the message's relevance, and if deemed irrelevant, the system blocks further messages from that sender. The system ensures anonymity by never revealing PII while enabling targeted communication based on financial transaction patterns. This approach enhances privacy while allowing contextual, interest-based messaging within a financial application ecosystem.
2. The method of claim 1 , further comprising using the transaction information to identify the set of recipients that matches the recipient attributes, by: storing the recipient attributes in memory; and storing, in memory, a mapping of the recipient attributes to a set of identifiers for the set of recipients.
This invention relates to a method for processing transaction information to identify recipients based on specific attributes. The method addresses the challenge of efficiently matching recipients to transaction data by leveraging stored recipient attributes and a predefined mapping system. The process involves storing recipient attributes in memory, such as demographic or behavioral data, and maintaining a mapping of these attributes to identifiers for the corresponding recipients. When transaction information is processed, the system uses this stored data to identify the recipients that match the relevant attributes. This approach ensures accurate and rapid recipient identification, improving the efficiency of transaction processing and targeted communication. The method is particularly useful in systems where transactions need to be routed or analyzed based on recipient characteristics, such as in financial services, marketing, or customer relationship management. By pre-storing the attribute mappings, the system reduces computational overhead and enhances scalability. The invention streamlines the process of linking transaction data to the correct recipients, ensuring timely and precise delivery of information or services.
3. The method of claim 1 , further comprising: using the transaction information to verify sender attributes of the creator prior to transmitting the message to the set of recipients.
This invention relates to secure digital communication systems, specifically methods for verifying sender attributes before transmitting messages to recipients. The problem addressed is the risk of fraudulent or unauthorized messages being sent within a digital transaction system, where sender identity verification is critical for trust and security. The method involves processing transaction information associated with a message to be transmitted. This transaction information includes details about the sender (creator) and the intended recipients. Before the message is sent, the system verifies the sender's attributes using the transaction information. This verification step ensures that the sender is authorized and legitimate, reducing the risk of fraud or unauthorized access. The verification process may involve checking the sender's identity, credentials, or transaction history against stored data or external verification systems. Only after successful verification is the message transmitted to the recipients. This additional security layer helps prevent unauthorized parties from sending messages under false pretenses, enhancing the overall security of the communication system. The method is particularly useful in financial or sensitive data transmission systems where sender authentication is critical. By integrating sender verification with transaction processing, the system ensures that only verified senders can communicate with recipients, maintaining trust and security in digital transactions.
4. The method of claim 3 , wherein the sender attributes comprise a first recipient attribute in the recipient attributes.
A system and method for secure communication involves verifying sender attributes before transmitting data to a recipient. The sender attributes include a first recipient attribute, which is part of the recipient's attributes. The method ensures that the sender's identity and permissions are validated before data transmission occurs. This verification process may involve checking the sender's credentials, authorization levels, or other identifying information against the recipient's specified attributes. The recipient attributes define the conditions under which data can be received, such as required sender permissions or specific sender identifiers. By matching the sender's attributes with the recipient's requirements, the system prevents unauthorized access and ensures secure data exchange. The method may also include additional steps like encrypting the data or logging the transaction for audit purposes. This approach enhances security in communication systems by enforcing strict sender-recipient matching before data transfer.
5. The method of claim 1 , further comprising: matching the recipient attributes to the context of the message to verify the relevance of the message to the set of recipients prior to transmitting the message to the set of recipients.
This invention relates to a system for verifying the relevance of messages to intended recipients before transmission. The problem addressed is ensuring that messages are appropriately targeted to recipients based on their attributes and the message context, preventing irrelevant or inappropriate content from being sent. The system involves analyzing recipient attributes, such as demographic, behavioral, or preference data, and comparing them to the context of the message, which may include content, purpose, or audience suitability. By matching these attributes to the message context, the system verifies whether the message is relevant to the recipients before transmission. This step ensures that only pertinent messages are delivered, improving communication efficiency and reducing the likelihood of misdirected or ineffective messaging. The method may also include generating or selecting messages based on recipient attributes, ensuring that the content aligns with the recipients' profiles. Additionally, the system may track recipient responses to messages, such as engagement or feedback, to refine future message relevance. The overall approach enhances targeted communication by dynamically assessing relevance before sending messages, optimizing outreach efforts.
6. The method of claim 1 , wherein obtaining the transaction information comprises: using stored authentication credentials for the group of users to access online user accounts of the users; and aggregating the transaction information from a set of online user accounts.
This invention relates to a method for obtaining and aggregating transaction information from online user accounts of a group of users. The method addresses the challenge of securely accessing and consolidating financial or transactional data from multiple user accounts, which is often fragmented across different platforms. The solution involves using stored authentication credentials to access these accounts automatically, eliminating the need for manual data entry or repeated logins. The method then aggregates the transaction information from the set of online user accounts, providing a unified view of the group's financial activities. This approach enhances efficiency, reduces errors, and simplifies financial tracking for groups such as families, businesses, or organizations. The aggregated data can be used for budgeting, expense tracking, or financial analysis. The method ensures secure access by leveraging pre-approved credentials, maintaining data privacy while streamlining the collection process. This solution is particularly useful in scenarios where multiple users need to share financial information without compromising individual account security.
7. The method of claim 1 , further comprising using the transaction information to identify the set of recipients that matches the recipient attributes, by: matching the recipient attributes to a subset of the transaction information; and identifying the set of recipients as one or more users associated with the subset of the transaction information.
This invention relates to a system for identifying and selecting recipients based on transaction data. The problem addressed is efficiently determining a group of recipients who match specific attributes derived from transaction information, such as purchase history, user behavior, or other transaction-related data. The method involves analyzing transaction information to extract relevant data points that correspond to predefined recipient attributes. These attributes may include demographic details, purchase patterns, or other transaction-based characteristics. The system matches these attributes to a subset of the transaction data, filtering out irrelevant information. Once the matching subset is identified, the system associates it with one or more users who meet the criteria, forming a targeted set of recipients. This approach ensures that only users who align with the specified attributes are selected, improving the precision of recipient identification. The method can be applied in various contexts, such as personalized marketing, targeted notifications, or user segmentation, where accurate recipient selection is critical. By leveraging transaction data, the system enhances the relevance and effectiveness of communications or actions directed toward the identified recipients.
8. The method of claim 1 , wherein transmitting the message to the set of recipients comprises: delivering the message to the set of recipients through one or more offerings that perform tasks using the transaction information.
This invention relates to a system for securely transmitting transaction information to a set of recipients. The problem addressed is the need to ensure that sensitive transaction data is delivered to authorized recipients while maintaining security and integrity. The method involves generating a message containing transaction information, such as financial or payment details, and transmitting it to a set of recipients. The transmission is performed through one or more offerings, which are services or platforms that utilize the transaction information to perform specific tasks. These offerings may include payment processing, data analysis, or other transaction-related services. The method ensures that the message is securely delivered to the intended recipients, allowing them to process or act on the transaction information as needed. The system may also include authentication mechanisms to verify the identity of recipients before transmitting the message, ensuring that only authorized parties receive the data. The invention aims to improve the efficiency and security of transaction information sharing in digital systems.
9. The method of claim 1 , further comprising: obtaining the message from public content; extracting the recipient attributes from the context of the message; and including the recipient attributes in the request.
This invention relates to message processing systems, specifically improving message delivery by dynamically incorporating recipient-specific attributes into message requests. The problem addressed is the inefficiency of generic message delivery systems that lack contextual awareness of recipients, leading to suboptimal routing, personalization, or filtering. The method involves obtaining a message from publicly accessible content, such as social media, forums, or other open platforms. The system then analyzes the message's context to extract recipient attributes, which may include demographic information, preferences, or behavioral patterns inferred from the message's content or metadata. These attributes are then included in a request to enhance message processing, such as routing the message to the most relevant recipient, personalizing the content, or applying context-aware filtering. The extracted attributes may be used to improve message delivery accuracy, relevance, or efficiency. For example, if the message pertains to a specific topic, the system may identify recipients with related interests or expertise. Alternatively, the attributes could be used to tailor the message format or content based on the recipient's preferences. The method ensures that message processing adapts dynamically to the recipient's context, improving overall system performance and user experience.
10. The method of claim 1 , wherein the recipient attributes comprise a business relationship.
A system and method for analyzing and utilizing recipient attributes in communication networks to improve message delivery and engagement. The technology addresses the challenge of efficiently categorizing and processing recipient data to enhance communication effectiveness, particularly in business or organizational contexts where relationships between parties influence communication strategies. The method involves collecting and storing recipient attributes, which include identifiers such as names, contact information, and other relevant data. A key aspect is the inclusion of business relationship attributes, which define the nature of the relationship between the sender and recipient, such as client, vendor, employee, or partner. These attributes are used to customize communication strategies, ensuring messages are tailored to the recipient's role or relationship with the sender. The system processes these attributes to generate insights, such as identifying high-value relationships or optimizing message content based on the recipient's business role. This allows for more targeted and effective communication, improving engagement rates and operational efficiency. The method may also involve integrating with existing communication platforms to automate the application of these insights, ensuring consistent and context-aware messaging across different channels. The overall goal is to leverage recipient attributes, particularly business relationships, to enhance communication outcomes in professional environments.
11. The method of claim 1 , wherein the recipient attributes comprise a transaction attribute of the transaction information.
A system and method for processing transaction data involves analyzing recipient attributes derived from transaction information to enhance data processing, security, or user experience. The transaction attribute, such as a recipient identifier, amount, or timestamp, is extracted from transaction details to determine relevant actions or responses. This attribute may be used to verify recipient legitimacy, detect fraud, or customize transaction handling based on predefined rules. The method may also involve comparing the transaction attribute against stored data to validate the transaction or trigger additional security measures. By leveraging transaction-specific attributes, the system ensures accurate and secure processing while adapting to different transaction scenarios. The approach improves efficiency in financial transactions, reduces fraud risks, and enhances user trust by dynamically adjusting processing logic based on transaction context. The system may integrate with payment networks, banking platforms, or digital wallets to apply these attributes in real-time, ensuring seamless and secure transaction execution.
12. An apparatus, comprising: one or more processors; and memory storing instructions that, when executed by the one or more processors, cause the apparatus to: receive, at a messaging system, a request to transmit a message from a creator of the message, wherein the creator of the message is a user of the messaging system; extract, from the message, a context of the message comprising message creation time, message source and message content; extract, from the message, recipient attributes associated with the request, the recipient attributes comprising at least one of relationships between users or transaction attributes of users; verify the recipient attributes based on the context of the message; obtain transaction information for a plurality of users including the creator, the transaction information comprising transaction dates, transaction amounts, transaction types and transaction categories; identify among the plurality of users a set of recipients of users of a financial management application with transaction information that matches the recipient attributes; transmit, by the messaging system, the message to a first portion of the set of recipients over the network to instances of the financial management application executing on computing devices associated with members of the first portion of the set of recipients, without revealing the PII for the set of recipients to the creator of the message; aggregate, by the messaging system, financial transactions of a plurality of online accounts associated with the first portion of the set of recipients to form lists of financial transactions, wherein the message is displayed in the instances of the financial management application as a UI element next to particular financial transactions of the lists of financial transactions for which the message is received; provide, in the instances of the financial management application, voting UI elements to the members of the first portion of the set of recipients, wherein the voting UI elements are configured to allow the set of recipients to vote on a relevance of the message; determine, based on votes received from the members of the first portion of the set of recipients, that the message is not relevant to the set of recipients; update the messaging system to prevent transmission of messages from the creator of the message to the set of recipients.
This invention relates to a messaging system integrated with a financial management application, addressing the challenge of targeted message delivery based on financial transaction attributes while preserving user privacy. The system receives a message from a creator and extracts its context, including creation time, source, and content, along with recipient attributes such as user relationships or transaction details. It verifies these attributes and retrieves transaction data for users, including dates, amounts, types, and categories. The system identifies recipients whose transaction information matches the specified attributes and transmits the message to a subset of these users via the financial management application, ensuring the creator cannot access recipient personally identifiable information (PII). The message appears as a user interface (UI) element alongside relevant financial transactions in the application. Recipients can vote on the message's relevance, and if deemed irrelevant, the system blocks further messages from that creator to the identified recipients. This approach enables context-aware messaging while maintaining privacy and relevance through user feedback.
13. The apparatus of claim 12 , wherein the memory further stores instructions that, when executed by the one or more processors, cause the apparatus to: use the transaction information to verify sender attributes of the creator prior to transmitting the message to the set of recipients.
This invention relates to secure communication systems, specifically a method for verifying sender attributes before transmitting messages to recipients. The system addresses the problem of unauthorized or fraudulent message transmission by ensuring that the sender's identity and credentials are validated before the message is sent. The apparatus includes one or more processors and memory storing instructions that, when executed, perform the verification process. The system receives transaction information associated with the message, such as sender details, transaction history, or authentication data. This information is used to verify the sender's attributes, which may include identity verification, authorization checks, or compliance with security policies. Only after successful verification is the message transmitted to the intended recipients. This ensures that only authorized senders can transmit messages, reducing the risk of fraud, spoofing, or unauthorized access. The verification process may involve comparing the sender's attributes against a database of trusted or authorized users, checking digital signatures, or validating transaction history. The system enhances security in communication networks by preventing unauthorized message transmission while maintaining efficient message delivery for verified senders.
14. The apparatus of claim 13 , wherein the sender attributes comprise a first recipient attribute in the recipient attributes.
A system for managing message delivery includes a sender device that generates a message with sender attributes and recipient attributes. The sender attributes include at least one recipient attribute from the recipient attributes, ensuring that the message is tailored to the recipient's preferences or characteristics. The system also includes a recipient device that receives the message and processes the sender attributes to determine how to handle the message, such as displaying it in a specific format or prioritizing it based on the recipient's settings. The sender attributes may include metadata such as urgency, importance, or context-specific tags that influence how the recipient device processes the message. The recipient device may also verify the sender attributes against predefined rules or policies to ensure compliance with security or privacy requirements. This system improves message delivery by aligning sender and recipient preferences, reducing miscommunication, and enhancing user experience. The inclusion of recipient attributes within sender attributes ensures that the message is optimized for the intended recipient, improving efficiency and relevance.
15. The apparatus of claim 12 , wherein the memory further stores instructions that, when executed by the one or more processors, cause the apparatus to: match the recipient attributes to the context of the message to verify the relevance of the message to the set of recipients prior to transmitting the message to the set of recipients.
This invention relates to a system for verifying the relevance of messages to intended recipients before transmission. The problem addressed is ensuring that messages are contextually appropriate for their recipients, preventing irrelevant or inappropriate content from being sent. The apparatus includes one or more processors and memory storing instructions that, when executed, perform various functions. These functions include analyzing recipient attributes, such as preferences, roles, or past interactions, and comparing them to the context of the message, such as its content, purpose, or tone. The system then verifies whether the message is relevant to the recipients based on this comparison before transmitting it. This ensures that only appropriate messages are sent, improving communication efficiency and reducing the risk of miscommunication. The apparatus may also include additional features, such as generating alerts if a message is deemed irrelevant or suggesting modifications to improve relevance. The system is designed to operate in environments where message relevance is critical, such as business communications, customer support, or automated messaging platforms.
16. The apparatus of claim 12 , wherein the memory further stores instructions that, when executed by the one or more processors, cause the apparatus to use the transaction information to identify the set of recipients that matches the recipient attributes, by: matching the recipient attributes to a subset of the transaction information; and identifying the set of recipients as one or more users associated with the subset of the transaction information.
This invention relates to a system for identifying recipients based on transaction data. The problem addressed is efficiently selecting recipients for targeted communications or actions by analyzing transaction information to match specific recipient attributes. The apparatus includes a processor and memory storing instructions to process transaction data and recipient attributes. The system matches recipient attributes to a subset of transaction information, then identifies recipients as users associated with that subset. This allows precise targeting based on transaction history, such as purchase behavior, transaction frequency, or other relevant data. The apparatus may also include components for generating transaction information, storing recipient profiles, and executing actions like sending notifications or applying discounts. The invention improves upon prior systems by dynamically linking transaction data to recipient attributes, enabling more accurate and context-aware recipient selection. This is particularly useful in marketing, customer engagement, and personalized service applications.
17. The apparatus of claim 12 , wherein transmitting the message to the set of recipients comprises: delivering the message to the set of recipients through one or more offerings that perform tasks using the transaction information.
This invention relates to a system for securely transmitting transaction information to a set of recipients through intermediaries that perform tasks using the transaction data. The system addresses the challenge of securely sharing sensitive transaction details with multiple parties while ensuring the data is only used for authorized purposes. The apparatus includes a processor and memory storing instructions that, when executed, enable the system to generate a message containing transaction information and transmit it to a set of recipients. The transmission occurs through one or more offerings, which are intermediary services or applications that process the transaction data to perform specific tasks. These offerings may include financial services, data processing platforms, or other systems that require access to transaction details to execute their functions. The system ensures that the message is delivered securely and that the transaction information is only used by authorized offerings for their intended purposes. This approach enhances security and control over transaction data sharing while enabling seamless integration with third-party services. The invention improves upon existing methods by providing a structured and secure way to transmit transaction information through intermediaries, reducing the risk of unauthorized access or misuse.
18. The apparatus of claim 12 , wherein the memory further stores instructions that, when executed by the one or more processors, cause the apparatus to: obtain the message from public content; extract the recipient attributes from the context of the message; and include the recipient attributes in the request.
This invention relates to a system for processing messages, particularly for extracting and utilizing recipient attributes from public content to enhance message delivery. The system addresses the challenge of efficiently identifying and incorporating recipient-specific information from publicly available messages to improve communication targeting. The apparatus includes one or more processors and memory storing instructions that, when executed, enable the system to obtain a message from public content, such as social media posts or forums. The system then extracts recipient attributes from the context of the message, which may include demographic details, preferences, or behavioral patterns inferred from the message content. These attributes are included in a request to tailor subsequent actions, such as personalized notifications, advertisements, or follow-up communications. The apparatus may also generate a request to a service provider, which could be a messaging platform or an analytics service, to process the message based on the extracted attributes. This ensures that the message is delivered or analyzed in a context-aware manner, improving relevance and engagement. The system may further validate the extracted attributes against predefined criteria to ensure accuracy before inclusion in the request. By leveraging public content to dynamically extract and apply recipient attributes, the invention enhances the precision of message targeting and delivery, addressing the need for more personalized and context-aware communication in digital environments.
19. A non-transitory computer-readable storage medium storing instructions that when executed by a computer cause the computer to perform a method for facilitating electronic communication among a group of users, wherein each user in the group of users lacks personally identifying information (PII) for other users in the group of users, the method comprising: receiving, at a messaging system, a request to transmit a message from a creator of the message, wherein the creator of the message is a user of the messaging system; extracting, from the message, a context of the message comprising message creation time, message source and message content; extracting, from the message, recipient attributes associated with the request, the recipient attributes comprising at least one of relationships between users or transaction attributes of users; verifying the recipient attributes based on the context of the message; obtaining transaction information for a plurality of users including the creator, the transaction information comprising transaction dates, transaction amounts, transaction types and transaction categories; identifying among the plurality of users a set of recipients of users of a financial management application with transaction information that matches the recipient attributes; transmitting, by the messaging system, the message to a first portion of the set of recipients over the network to instances of the financial management application executing on computing devices associated with members of the first portion of the set of recipients, without revealing the PII for the set of recipients to the creator of the message; aggregating, by the messaging system, financial transactions of a plurality of online accounts associated with the first portion of the set of recipients to form lists of financial transactions, wherein the message is displayed in the instances of the financial management application as a UI element next to particular financial transactions of the lists of financial transactions for which the message is received; providing, in the instances of the financial management application, voting UI elements to the members of the first portion of the set of recipients, wherein the voting UI elements are configured to allow the set of recipients to vote on a relevance of the message; determining, based on votes received from the members of the first portion of the set of recipients, that the message is not relevant to the set of recipients; updating the messaging system to prevent transmission of messages from the creator of the message to the set of recipients.
This invention relates to a system for facilitating anonymous electronic communication among users of a financial management application, where users lack personally identifying information (PII) about each other. The system addresses the challenge of enabling secure, context-aware messaging without exposing user identities, while ensuring message relevance through recipient feedback. The method involves receiving a message from a user, extracting its context (creation time, source, and content) and recipient attributes (relationships or transaction details). The system verifies these attributes against transaction data (dates, amounts, types, and categories) for users of the financial management application. It identifies recipients whose transaction information matches the attributes and transmits the message to a subset of these recipients via their financial management application instances. The message appears as a UI element alongside relevant financial transactions, allowing recipients to vote on its relevance. If the message is deemed irrelevant based on votes, the system prevents further transmissions from the sender to that recipient group. This approach ensures privacy by anonymizing users while enabling targeted, contextually relevant messaging within a financial management ecosystem. The voting mechanism helps maintain message quality and relevance.
20. The non-transitory computer-readable storage medium of claim 19 , the method further comprising: using the transaction information to verify sender attributes of the creator prior to transmitting the message to the set of recipients.
This invention relates to secure digital communication systems, specifically methods for verifying sender attributes before transmitting messages. The system addresses the problem of unauthorized or fraudulent message transmission by ensuring that sender credentials are validated before a message is sent to recipients. The method involves storing transaction information associated with a message, such as sender details, recipient details, and message content. Before transmitting the message, the system uses this transaction information to verify the sender's attributes, such as identity, authorization, or transaction history. This verification step prevents unauthorized parties from sending messages under false pretenses. The system may also include additional security measures, such as encrypting the message or requiring recipient authentication. The verification process ensures that only legitimate senders can transmit messages, enhancing trust and security in digital communications. This approach is particularly useful in financial transactions, legal communications, or any scenario where message authenticity is critical. By validating sender attributes before transmission, the system reduces the risk of fraud, impersonation, or unauthorized access.
Unknown
March 31, 2020
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